All applications are assessed using your personal details and information provided by Credit Reference Agencies. Unfortunately, not every application will meet our business criteria. Below are a few potential reasons we may be unable to offer you a loan today:
- Credit rating – your application might have been unsuccessful due to information on your credit file held by credit reference agencies
-  Affordability – as a responsible lender, we are obliged to only lend to customers whom we're confident can afford to pay it back
- Other underwriting criteria
If you'd like to know what information is held by the credit reference agencies you can contact them directly:
- Â Equifax: Customer Service Centre, PO BOX 10036, Leicester LE3 4FS
- TransUnion (formerly Callcredit): Consumer Services Team, One Park Lane, Leeds, LS3 1EP
If you received a pre-approved quote on a price comparison website, this pre-approval is subject to fraud, affordability and verification checks.